Best Life Insurance in Miramar, FL (September 2024)


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Updated: October 4, 2024

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Protective is the best life insurance company in Miramar, Florida, with the highest MoneyGeek score of 92 for both men and women. The average monthly premiums are $30 for men and $28 for women.

These scores and premiums are based on a 20-year term policy with $500,000 coverage, but your choice may vary based on personal needs. Consider your age, health and coverage needs when choosing life insurance.

Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in Miramar, Florida.

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Coverage costs and company information for life insurance providers were updated in August 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsuranceMiramar, FL
2024

Best Life Insurance Companies in Miramar

Overall Best Life Insurance in Miramar, FL

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Miramar, with a MoneyGeek score of 92 for men and women. The average monthly premiums are $30 for males and $28 for females.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $30 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $36 per month

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $28 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $35 per month

Protective stands out for its high MoneyGeek score and affordability, making it the best choice for life insurance in Miramar.

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MoneyGeek Top Pick
Protective

In Miramar, Protective is the top life insurance provider, with a MoneyGeek score of 92 for both men and women. Monthly premiums are about $30 for men and $28 for women, offering affordability and high service quality.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Strong financial stability

Cons:

  • Less diverse product options
  • Buying process could improve

Best Term Life Insurance in Miramar, FL

How was this MoneyGeek score calculated?

Protective is the best term life insurance provider in Miramar, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premium is $14 for both genders. It balances affordability, customer satisfaction and financial stability.

Top term life insurance companies for men:

  • Protective: MoneyGeek score of 92 out of 100 at $14 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $15 per month for men

Top term life insurance companies for women:

  • Protective: MoneyGeek score of 91 out of 100 at $14 per month for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $15 per month for women

Term life insurance provides a death benefit during a specified term, providing financial protection without the long-term commitment of permanent life insurance. For example, a parent might choose term life insurance to ensure their child's education is covered if they pass away unexpectedly.

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MoneyGeek Top Pick
Protective

Protective is the best term life insurance provider in Miramar, with MoneyGeek scores of 92 for men and 91 for women. Monthly premiums are about $14, offering a good balance of value and reliability.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Miramar, FL

How was this MoneyGeek score calculated?

Protective offers the best whole life insurance for both men and women in Miramar. Its MoneyGeek score of 92 indicates excellence in customer satisfaction, affordability and financial stability.

  • Protective: MoneyGeek score of 92 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for men and women

Whole life insurance provides a guaranteed death benefit, fixed premiums and a cash value component for a consistent, long-term investment. For instance, someone might choose it for lifelong coverage and to build their financial legacy.

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MoneyGeek Top Pick
Protective

Protective is the top choice for whole life insurance in Miramar, achieving an impressive MoneyGeek score of 92. Customers can rely on Protective's strong performance across key areas.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Reliable financial stability

Cons:

  • Buying process could improve

Compare Life Insurance Rates

Ensure you're getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.

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Best Universal Life Insurance in Miramar, FL

How was this MoneyGeek score calculated?

Protective is the best universal life insurance provider in Miramar, with a MoneyGeek score of 91 for both men and women.

  • Protective: MoneyGeek score of 91 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men and women

Universal life insurance offers flexible coverage with an investment savings component. It allows policyholders to build cash value that can be used in retirement and to adjust premiums and benefits over time. This flexibility makes it a choice over term life insurance for those seeking these benefits.

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MoneyGeek Top Pick
Protective

Protective is the top universal life insurance provider in Miramar, earning a MoneyGeek score of 91 for both men and women. This high score reflects Protective's excellence in affordability, customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Solid financial stability

Cons:

  • Buying process could improve
  • Limited product diversity

Best No-Medical-Exam Life Insurance in Miramar, FL

How was this MoneyGeek score calculated?

Protective offers the best life insurance without needing a medical exam for both men and women in Miramar, with a MoneyGeek score of 91.

  • Protective: MoneyGeek score of 91 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men and women

Life insurance without a medical exam provides a fast and easy way to get coverage without a health assessment. It suits those with busy schedules or a fear of medical procedures.

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MoneyGeek Top Pick
Protective

Protective is the top life insurance option in Miramar, with the highest MoneyGeek score of 91 for both men and women seeking coverage without a medical exam. This score reflects its strong performance across various categories.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Reliable financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Miramar, FL

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Miramar, with a MoneyGeek score of 91 for both men and women. Male and female seniors pay average monthly premiums of $59 and $60, respectively.

Age affects life insurance premiums, with higher premiums for seniors due to increased health risk. Protective's top MoneyGeek score highlights its strong performance in affordability, customer satisfaction and financial stability, making it a reliable choice for seniors seeking value and dependability.

Best Term Life Insurance for Seniors in Miramar
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$59MG Score out of 10091
2CompanyMutual of OmahaPremium$64MG Score out of 10091
3CompanyNationwidePremium$60MG Score out of 10090
4CompanyAllstatePremium$52MG Score out of 10089
5CompanyAAAPremium$75MG Score out of 10088
6CompanyTransamericaPremium$60MG Score out of 10087
7CompanyPrudentialPremium$78MG Score out of 10085
8CompanyState FarmPremium$102MG Score out of 10084
9CompanyHavenPremium$117MG Score out of 10082

Best Term Life Insurance for Smokers in Miramar, FL

How was this MoneyGeek score calculated?

Mutual of Omaha provides the best term life insurance for smokers in Miramar, with MoneyGeek scores of 91 for men and 90 for women, and an average monthly premium of $39 for both.

Smoking raises life insurance premiums due to increased health risks. Mutual of Omaha's high MoneyGeek score highlights its excellent customer satisfaction, smooth buying process and financial stability.

Best Term Life Insurance for Smokers in Miramar
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$39MG Score out of 10091
2CompanyNationwidePremium$44MG Score out of 10089
3CompanyAAAPremium$42MG Score out of 10089
4CompanyTransamericaPremium$34MG Score out of 10088
5CompanyProtectivePremium$57MG Score out of 10088
6CompanyPrudentialPremium$37MG Score out of 10087
7CompanyState FarmPremium$52MG Score out of 10086
8CompanyAllstatePremium$53MG Score out of 10085
9CompanyHavenPremium$69MG Score out of 10082

Best Term Life Insurance for Young Adults in Miramar, FL

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Miramar, with a MoneyGeek score of 92 for both males and females. Average monthly premiums are $8 for men and $9 for women.

Younger policyholders typically enjoy cheaper premiums due to lower health risks. Protective's high MoneyGeek score reflects its strong customer satisfaction, affordability and financial stability.

Best Term Life Insurance for Young Adults in Miramar
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$8MG Score out of 10092
2CompanyMutual of OmahaPremium$10MG Score out of 10091
3CompanyNationwidePremium$10MG Score out of 10090
4CompanyAAAPremium$11MG Score out of 10089
5CompanyAllstatePremium$8MG Score out of 10089
6CompanyTransamericaPremium$9MG Score out of 10088
7CompanyState FarmPremium$17MG Score out of 10086
8CompanyHavenPremium$12MG Score out of 10086
9CompanyPrudentialPremium$16MG Score out of 10085
10CompanyBestowPremium$26MG Score out of 10083

Best Cheap Term Life Insurance in Miramar, FL

How was this MoneyGeek score calculated?

Protective offers the best cheap term life insurance in Miramar, with MoneyGeek scores of 92 for men and 91 for women, and an average monthly premium of $14.

Age, health, coverage amount and term length affect insurance premiums. To get the lowest costs, maintain good health and choose a shorter term and a lower coverage amount.

Best Cheap Term Life Insurance in Miramar
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$14MG Score out of 10092
2CompanyAllstatePremium$13MG Score out of 10091
3CompanyNationwidePremium$16MG Score out of 10091
4CompanyMutual of OmahaPremium$15MG Score out of 10090
5CompanyTransamericaPremium$14MG Score out of 10090
6CompanyAAAPremium$17MG Score out of 10088
7CompanyHavenPremium$22MG Score out of 10083
8CompanyState FarmPremium$27MG Score out of 10082
9CompanyPrudentialPremium$23MG Score out of 10082

Average Cost of Term Life Insurance in Miramar, FL

In Miramar, term life insurance premiums average $28 for men and $26 for women.

Costs vary based on age, health, lifestyle and coverage type. Understanding these factors helps consumers make informed decisions about their life insurance needs.

Smokers and those with pre-existing conditions often face higher premiums. Local economic conditions and health statistics can also influence insurance costs. Miramar's premiums may differ from those of other areas in Florida due to its unique demographics and economic factors, such as average income, health trends and crime rates.

FAQ About Life Insurance in Miramar, FL

What company has the best life insurance in Miramar for men?
What is the monthly premium for the best life insurance for men in Miramar?
What company has the best life insurance in Miramar for women?
What is the monthly premium for the best life insurance for women in Miramar?
Is there anything different about life insurance in Miramar compared to the rest of Florida?
What happens to your life insurance if a company goes bankrupt in Miramar?
Why might Miramar residents need life insurance?
How do you find a lost life insurance policy in Miramar?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.